Free insurance calculators — 19+ tools

Insurance and protection calculators answer one underlying question: if the worst happens, is there enough money in place — and what does it cost to get there? These tools turn that anxiety into figures. They size the life cover your family would need, the disability income gap if you couldn't work, the long-term-care bill years from now, and the tax-advantaged savings an HSA or annuity can build, using the same methods advisers and insurers use.

The core tools cover the big decisions. A life insurance calculator sizes coverage with the DIME method (debt, income, mortgage, education), backed by a fuller needs analysis and a human life value estimate; a disability insurance tool finds the monthly gap your existing coverage leaves; and long-term-care planners project the cost of future care. On the savings side, a family of HSA calculators and annuity tools model tax-advantaged growth and guaranteed income, while an actual cash value tool values property claims.

Each page explains the method and cites its source — the DIME and human-life-value frameworks for coverage, the IRS contribution limits for HSAs, and III/NAIC definitions for claims and policy types — then shows a worked example and the assumptions behind it. The arithmetic is exact for the numbers you enter, but coverage decisions are personal: treat every figure as a planning estimate to take to a licensed agent or fee-only adviser, not formal advice.